Specific practices are:

One, and actively carry out automobile cooperation unit access, choice and business cooperation with key customers to consolidate.

The line of business development, with particular attention to the choice of partners, the stable operation, large automobile dealers as a marketing focus, select target customers, consolidate the basis for cooperation. Since the start of the auto loan service, has signed a business cooperation agreement with Linyi gas industry and trade, Linyi Yitong automobile, Shandong Linyi engineering machinery, Linyi Hongda Yafei, 44 dealers, established the basic framework of business cooperation. At the same time, strengthen all-round cooperation with key automobile dealers, through the development of recreational activities, marketing activities, not organize conferences and marketing training, to provide a full range of products and services to the automobile dealers, strengthen cooperation between the two sides, to promote the healthy and fast development of business.

Two, the implementation of their policies on auto loans branch, special branch.

In Linyi City, Lanshan, due west branch close to Lunan car wholesale market, the car loan business has excellent conditions to be richly endowed by nature, branch and sub branch sent caught together automobile marketing, by visiting southern city car, car supermarket, timely understanding of the market, customers and the industry situation, development of a variety of marketing plan according to the different situations the majority of customers. In the business approval process, according to the two branches are concentrated in auto loan business, take the way of examination and approval, to accelerate the speed of business management. In Linyi under the county branch, has formed a large market size, and the effective risk control of Tancheng, Cangshan branch.

Three, carry out cooperation with engineering machinery manufacturer Shandong Lingong construction machinery vehicle mortgage business.

Shandong Lingong Construction Machinery Co is its holding company, the main production loader, product sales nationwide industry ranked fourth, as Chinese machinery industry 500 strong enterprises, the average annual sales of 15000 vehicles, car loan demand is about 450000000 yuan. The bank actively explore cooperation with Shandong Lingong construction machinery and automobile mortgage business model, equipped with specialized customer manager to provide full tracking service for business, marketing and branch actively linkage, several in-depth Shandong Lingong, held in auto loan business training, make the business channel is more unimpeded, improve Shandong Lingong in the line of business accounted for.

Four, actively carry out a car loan business promotional activities.

A unified printed propaganda personal auto loan product manual, by organizing activities concentrated propaganda, business outlets and cooperative institutions and other forms, to positive promotion effect on the auto loan marketing; two is a Linyi radio station in prime time broadcast "financial service hotline" program, branch of gold and credit approval division regularly carry out business promotion in the program, the relevant problems and timely solutions provided by customers, receive very good results; the three is to make full use of the characteristics of straight type automobile loan procedures simple, flexible means for quality guarantee, customer development of targeted marketing activities, actively competing for customers.

Five, the introduction of Guarantee Corporation set up business development middle bridge, marketing outsourcing.

In order to further expand market share, to guard against credit risk, the bank according to the risk prevention and control characteristics of auto loan business, the Guarantee Corporation in automobile mortgage business. Through the Guarantee Corporation's intervention, to point to an area, the more car dealers grasp of customer, into the car loan marketing services, expand the auto loan market.

Six, in carrying out loan marketing at the same time, take measures to effectively control the credit risk.

One is the affiliated company signed a cooperation agreement with the car, if the borrower fails to repay bank loans, the affiliated shipping company must pass the vehicle maintenance, vehicle inspection, road transport permit inspection, control the operation of vehicles; two is for the initial purchase of freight vehicle customers, the purchase of vehicles to install GPS, running position to monitor the vehicle at any time; three is all vehicles must be insured car caustic danger, pilfer, passenger insurance, third party liability insurance, at the same time, the borrower under the loan amount of the purchase of personal accident insurance; four is required the cooperation of automobile dealers must be equipped with the loan management personnel, responsible for the daily collection, assist the bank customer manager door-to-door collection; the five is to strengthen the training the customer manager business, and actively create development capability, risk control and high level of professional marketing team; six is to strengthen the communication with the dealer to exchange, business promotion will be regularly informed, customer loan repayment, the default recommended exchange cooperation unit, effectively promoted the development of business better.